Compare that to Italy/France/Spain (those that I know) where, depending where you are traveling to, you have to download, sign in, and give your credit card details to N different apps in different states of disrepair/being barely maintained.
Virtual credit cards (I use Revolut) that I then delete mitigate that, but still, what a mess.
This is not unlike what happens for flight data recorders after a crash. The raw data is not made public right away, if ever.